Polk County property record for 145 Polk Dr, Winter Haven, FL 33884
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,605 sqft · built 1992 |
| Lot Size | 0.193 acres (8,425 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $295,000 (Apr 2026) |
| Tax Bill | $1,285 (2025) |
| Deeds & Mortgages | Jun 2021 Mortgage Apr 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-28-34-660500-000130 |
| Primary APN | 26-28-34-660500-000130 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,605 sqft Living Area |
| Gross Area | 2,088 sqft |
| 1st Floor Area | 1,605 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Stucco |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Concrete |
| Roof Type | Hip |
| Roof Material | Other |
| Lot Area | 8,425 sqft (0.193 acres) |
| Lot Dimensions | 140 ft deep x 60 ft wide |
| View / Lot | Commercial/Industrial |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Porch | Enclosed/Unfinished Porch |
| Porch Area | 215 sqft |
| Cooling System | Central |
|---|
| Street Address | 145 POLK DR |
|---|---|
| City | WINTER HAVEN |
| State | FL |
| Zip | 33884-1965 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ELOISE WOODS LAKE RING UNIT PB 17 PG 45 LOT 13 |
| Legal Range | 26E |
| Legal Township | 28S |
| Legal Section | 34 |
| Legal Subdivision | ELOISE WOODS LAKE RING UNIT |
| Legal Tract | 660500 |
| Legal Block | 1 |
| Legal Lot Number | 13 |
| Legal Unit | PB |
| Jurisdiction | POLK FL |
| Township / Civil Division | WINTER HAVEN-AUBURNDALE |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 13902 |
145 Polk Dr is owned and occupied by two individuals who bought it in April 2026.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 145 POLK DR, WINTER HAVEN, FL 33884-1965 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Apr 6, 2026 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 26, 2017 | Warranty Deed, Transfer · FHA Mortgage RP FNDG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 6, 2026 · Amount on File |
| Deed Sale | Apr 6, 2026 · Amount on File |
| Prior Sale | Jun 1, 2017 · Amount on File |
| Deed Document Number | 202679639 |
| Deed Book / Page | 13944 / 1642 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK FL |
| Property Address | 145 POLK DR, WINTER HAVEN, FL 33884-1965 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000153676 |
|---|---|
| Date | Jun 14, 2021 |
| Book Page | 11758/1239 |
| Instrument | 2021153676 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Apr 6, 2026 |
| Property Address | 145 POLK DR, WINTER HAVEN, FL 33884-1965 |
| Document Number | 0000079639 |
| Book / Page | 13944 / 1642 |
| Instrument Date | Apr 1, 2026 |
| Instrument | 202679639 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2026 |
| Title Company | ENTRUST TITLE, TRUST TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $208,565.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 145 POLK DR, WINTER HAVEN, FL 33884-1965 |
| Document Number | 0000079640, |
|---|---|
| Date | Apr 6, 2026 |
| Instrument | 202679640 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.01% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK FL |
| Recording Date | Jun 26, 2017 |
| Property Address | 145 POLK DR, WINTER HAVEN, FL 33884-1965 |
| Document Number | 0101861920 |
| Book / Page | 010186 / 001920 |
| Instrument Date | Jun 20, 2017 |
| Instrument | 121455 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2017 |
| Title Company | PARAMOUNT TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,155.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 145 POLK DR WINTER HAVEN FL 338841965, WINTER HAVEN, FL 33884-1965 |
| Document Number | 101861922 |
|---|---|
| Date | Jun 26, 2017 |
| Book Page | 010186/001922 |
| Instrument | 121456 |
| Name | RP FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | MAITLAND, FL 32751 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 25, 2047 |
The 2025 property tax bill for 145 Polk Dr was $1,285, down 31% from the year before.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Polk County |
| Unified School District | Polk County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $141,160 (+2.7%) | $217,716 (-0.54%) Land $33,698 Building $184,018 | |
| 2025 | $1,285.00 (-30.95%) Homeowner's exemption | $137,449 | $218,889 Land $32,013 Building $186,876 |
| 2024 | $1,861.00 (+10.51%) | ||
| 2023 | $1,684.00 (+3.89%) Homeowner's exemption | $129,684 (+3%) | $236,559 (+8.91%) Land $31,171 Building $205,388 |
| 2022 | $1,621.00 Homeowner's exemption | $125,907 | $217,209 Land $26,116 Building $191,093 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 145 Polk Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2004.
Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 18 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 18 in force |
| Nearby Flood Claims | 3 (2004–2022) |
| Claims Outside the SFHA | 3 of 3 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 145 Polk Dr is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WINTER HAVEN WATER DEPARTMENT serves 87,537 people · EPA ID FL6531992 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Dec 2021 |
| Lead | 7 ppb (2023) action level 15 ppb |
| Water Quality | E. coli resolved · Sep 2021 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 16 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 308 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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